Privacy Policy

Phillips Capital Ltd is a company registered in England and Wales (collectively referred to as "Phillips Capital", "Phillips Capital Private Clients", "Phillips Venture Capital", "we" or "us" in this policy). For purposes of the Data Protection Act (DPA), 2018 and the General Data Protection Regulation (GDPR) 2018, Phillips Capital Ltd is the "data controller". We are registered with the Information Commissioner's Office (ICO) for Data Protection. Registration number: ZA308472. 

Your Privacy

Here at Phillips Capital, we are committed to maintaining the trust and confidence of our clients. In particular, we want you to know that Phillips Capital is not in the business of selling, renting or trading email addresses, and or telephone numbers, with other companies and businesses for marketing purposes. We just don’t do that sort of thing, but just in case you don’t believe us, in this Privacy Policy, we’ve provided lots of information on when and why we collect your personal information, how we use it, the limited conditions under which we may disclose it to others and how we keep it secure.   Our policy is to respect and comply with our legal obligations concerning the privacy of everyone with whom we deal, whilst providing quick and efficient service. Data security is of great importance to us at Phillips Capital and to protect your data we have put in place suitable physical, electronic and managerial procedures to safeguard, secure and store all data collected.

Data Protection

We will collect, use and store information under the Data Protection Act (DPA) 2018 the General Data Protection Regulation (GDPR) 2018, and other applicable legal and regulatory rules. Subject to this, the information we collect may be used:

• To assist you in compiling factual information in respect of a finance application, to ensure your case is presented in the best possible light to the broker and lender.
• To inform you about, or market to you, financial products and services, whether or not they are provided through or by us. (If you have opted-in via our Terms of Business) We may provide such information to you by email, direct mail and/or any other medium. If you at any time no longer want us to do this, please email us and tell us not to do so. Our email address can be found in Contact Us or at the bottom of this document.
• For internal research and statistical analysis.
• For any other purpose where this is permitted under the law (and not precluded, explicitly, in these terms) without further notification to you.

Information about you may also be disclosed to other financial services intermediaries, financial service product providers and manufacturers, with a view to marketing to you, or obtaining for you, a relevant product or service. If you do not wish information to be shared or disclosed to a specific firm(s), you can tell us not to do this by emailing us at the address shown in the Contact Us section on this website. 

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).

We may collect the following data, which includes but is not limited to personal information, from you:

• "Identity Data" includes title, full name, username or similar identifier, marital status, date of birth and gender. 
• "Contact Data" includes email addresses and telephone numbers. We may also obtain demographic information such as billing address, delivery address, and investment property address(es).
• "Financial Data" includes income, expenditure, bank account(s), credit reports and payment card details. 
• "Employment Data" includes details of your employment status and your employer.

Sharing Personal Data

Concerning your application, your data will be shared with Philips Capital Ltd (t/a Philips Capital, Phillips Capital Private Clients & Phillips Venture Capital) under this privacy policy and also with our panel of finance professionals, credit brokers and financial solution providers. This data will be used to process and submit your enquiry to our panel who may then contact you by email, SMS, post, automated voice messaging, telephone or other appropriate means, with communications about the products or services you could benefit from. We will only engage a third party if we believe you can benefit from one or more of their services. Your data may also be shared with companies in affiliation with Phillips Capital, but only if you have given the relevant consent for this.

You are also agreeing that our finance professionals, lenders, brokers and or financial solution providers may use Credit Reference Agencies (CRAs) and Fraud Prevention Agencies (FRAs) to assess your credit worthiness.

Please be aware that our affiliates with whom we share your information may use it for their legitimate business interests to match applications, carry out fraud checks, carry out research such as analysis of market trends and customer demographics and customise and develop the product/service which they may offer to you or other individuals in the future. Most lenders might use this for up to twelve months.

NB: Your application may or may not be sent to our broad panel of financial firms. The companies to which your application will be sent will be dependent upon the information provided in your enquiry and based upon your circumstances.

Rectification of client data

Under Article 16 of the GDPR, individuals have the right to have inaccurate personal data rectified. An individual may also be able to have incomplete personal data completed – although this will depend on the purposes for the processing. This may involve providing a supplementary statement to the incomplete data. If you think some of the information we hold on file for you is out of date or in any way inaccurate please contact us in the first instance.  

Data security

All client data is stored electronically using portable encrypted hard drives. We employ one of the largest names in data, systems and cybersecurity. Any original documents are kept secure in a locked filing system. All original documents will be returned using Royal Mail's special next-day delivery service.  

Erasure of client data

Under Article 17 of the GDPR, individuals have the right to have personal data erased. This is also known as the ‘right to be forgotten. The right is not absolute and only applies in certain circumstances. For more information from the ICO please click here. To ensure our systems run as efficiently as possible, we permanently delete email and written correspondence after 24 months (2 years), 

Third-party links

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites, as such sites are not governed by this Privacy Policy. You should exercise caution and look at the Privacy Policy applicable to the website in question. We may receive a commission from affiliate advertisement links shown on this website.

Cookie Law [ePrivacy Directive]

This section explains how Phillips Capital uses cookies and similar technologies to recognise you when you visit our website (https://phillipscapitalgroup.co.uk). It explains what these technologies are and why we use them, as well as your rights to control our use of them. 

What are cookies? 

Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners to make their websites work or to work more efficiently, as well as to provide reporting information. Cookies set by the website owner (in this case, Phillips Capital Limited) are called "first-party cookies". Cookies set by parties other than the website owner are called "third-party cookies". Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g. advertising, interactive content and analytics). The parties that set these third-party cookies can recognise your computer both when it visits the website in question and also when it visits certain other websites. Third-party cookies are likely to be analytical/performance cookies or targeting cookies (see below for more information) and we have no control over these cookies. 

Why do we use cookies? 

We use first-party cookies for several reasons. Some cookies are required for technical reasons for our Website to operate, and we refer to these as "essential" or "strictly necessary" cookies. Other cookies enable us to track and target the interests of our users to enhance the experience on our Website. These include “analytical” or “performance” cookies which allow us to recognise and count the number of visitors and to see how visitors move around our Website when they are using it. They may also include “targeting” cookies that record your visit to our Website, the pages you have visited and the links you have followed. We will use this information to make our Website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose. The cookies we use may also include “functionality” cookies which are used to recognise you when you return to our Website. This enables us to personalise content for you, greet you by name and remember your preferences. 

What about other tracking technologies, like web beacons? 

Cookies are not the only way to recognise or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called "tracking pixels" or "clear gifs"). These are tiny graphics files that contain a unique identifier that enables us to recognise when someone has visited our Website or opened an e-mail that we have sent them. This allows us, for example, to monitor the traffic patterns of users from one page within our Website to another, to deliver or communicate with cookies, to understand whether you have come to our Website from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of e-mail marketing campaigns. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning. 

How can I control cookies? 

You have the right to decide whether to accept or reject cookies. You can set or amend your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use our Website although your access to some functionality and areas of our Website may be restricted. As for how you can refuse cookies through your web browser controls vary from browser to browser, you should visit your browser's help menu for more information. 

We may update this Cookie Policy from time to time to reflect, for example, changes to the cookies we use or for other operational, legal or regulatory reasons. Please, therefore, re-visit this Cookie Policy regularly to stay informed about our use of cookies and other related technologies. If you have any questions about our use of cookies or other technologies, please don't hesitate to contact us.

Marketing Opt-in

If you choose to opt-in to our marketing service, your email address(s) will be added to our marketing database, which receives occasional company updates, third-party affiliate promotions, and your latest financial news. We will only ever send you marketing emails if you have specifically opt-in via our Terms of Business. 

We will never exchange, sell, or disclose your email address to any third-party provider for marketing purposes. If you would prefer not to receive information about products, services and promotions from us, please send an email to ask@phillipscapital.infowith 'opt-out' in the subject line.

Viruses

We use reasonable endeavours to prevent contamination by known viruses and to maintain the security of this website but no warranty is given that this website or its contents or hypertext links are virus-free or not contaminated. Nor can we guarantee that this website will not be affected (or indeed fail or stop altogether) as a consequence of deliberate damage by hackers, failure of computers or other equipment, power failure, failure of telecommunications lines or criminal action. You should make your virus checks and implement your precautions in this respect. All liability for any such damage is hereby expressly excluded to the extent permitted by law.

Data Subject Access Request (DSAR)

Under the General Data Protection Regulation (GDPR) (EU) 2016/679 you may request to see whether we are processing your data, what personal data is being processed, and for what purpose. You may also request for us to update or remove such information. You may only request information about yourself. You will be asked to verify your identity before being provided with the requested information. To make such a request:

1. Submit a request to compliance@phillipscapital.info.
2. We will send you a form to complete, alternatively, you can download our SAR form here and in the "Documents" tab on our homepage. The form includes information to verify your identity as well as a place to be specific about what data you would like to see.
3. Return the completed form to compliance@phillipscapital.info.
4. Within 30 days of receiving the completed form and verifying your identity, we will collect information that exists and provide it to you in a secure manner.

We will take all reasonable steps to confirm your identity before disclosing any personal information. There will be a small processing fee charged to meet the costs of dealing with such a request.

Treating Customers Fairly & Vulnerable Customers.

The aim of FCA’s Treating Customers Fairly (TCF) initiative is to ensure that firms meet the requirements of Principle 6 to “pay due regard to the interests of its customers and treat them

fairly”, of which we take our responsibilities very seriously. Please click here to view our full Treating Customers Fairly & Vulnerable Customers Policy.

Limitation of liability 

We do not make any promise that your use of this website will be uninterrupted, reliable or error-free or that its contents will be accurate or complete. All liability arising out of or in connection with your use of this website and/or reliance on its content is excluded. We do not accept any liability for losses or damages, whether direct or indirect that you may suffer as a result of your use of this website (including but not limited to computer service or system failure, access delays or interruption, data non-delivery or mis-delivery, computer viruses or other harmful components, breaches of security or unauthorised use of the system arising from “hacking” or otherwise). However, notwithstanding the above, nothing in these Terms shall exclude liability for death or personal injury resulting from our negligence or that of our employees, agents or authorised representatives or for fraudulent misrepresentation made by us, our employees, agents or authorised representatives or for any other liability the exclusion of which would not be permitted under English Law.

Fraud Awareness

We will do everything to help protect you against fraud. We want all of our applicants to feel safe and secure whilst browsing our website and using our services. We take the security of our customers extremely seriously.

Fraud can sometimes be hard to identify. Some fraudsters will even take advantage of genuine companies and pose as them. These fraudsters will then make cold calls to their victims promising loans that don’t exist. The fraudsters will then invite the victim to part with their cash or encourage them to use voucher schemes, promising that a loan will subsequently follow. Please be well aware that these types of calls are scams.

Note: No one from Phillips Capital or any of it's associates or financial partners will ever contact you to request that you send money or ask that you buy any products before, during or post, the completion of any application. We any fees that are applicable will be discussed band cofnrimed before any process is undertaken. 

If you think you’re a victim of fraud, you should not send any money and notify your bank timidity. You can also report it using these helpful links;

Action Fraud, Money Advice Service on scams, Citizens Advice – Scams, Victim Support  

Your Rights

You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for Data Protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance.

This website is owned and operated by Phillips Capital Group. Phillips Capital Ltd (company no. 11149189) reserves the right to amend this Privacy Policy, our Terms of Business and this website as we deem necessary from time to time or as may be required by law.

You can contact us at any time of the day or night at ask@phillipscapitalgroup.co.uk